Getting a payday loan online is a great way to get out of a temporary financial bind. Payday loans help you meet all your immediate cash requirements without the hassles and formalities involved in getting a regular loan. Applying for a payday loan online is the best way to access the funds you need within the shortest possible time period.

Legitimate payday loans are fast, convenient and affordable cash advances which do not come with any hidden fees or extra charges. Once you fill the online application form, you can be approved for a loan within minutes, provided you fulfill certain basic qualifying criteria such as having a steady source of income and a current checking account.

The procedure to apply for an online payday loan is simple, fast and completely fax-free! When you apply for a payday loan, you will be asked to fill an online application form. This form is available for your perusal free of cost, and it is completely secure and confidential. Once you submit your form, an approval decision will be made within a matter of minutes or even seconds. If you are approved for the loan, you will be contacted by a customer service representative via phone or e-mail in order to confirm our loan details. The loan amount will then be wired to your bank account on the same day, enabling you to tackle your immediate expenses.

You can repay your payday loan in full, or in installments. We will email a reminder before your payday is due, and you can decide whether you would like to repay the entire loan amount or opt for a staggered repayment plan. Repaying your loan on time improves your credit score, and qualifies you for higher loan amounts and other benefits.

osted : TUESDAY, 7TH JULY 2009 23:08:25 BST comments : 0

Ben Loader, aged 28, an environmental consultant for a UK water company. Single, lives in central London. (Salary range £25,000 - £35,000)

With a student loan to pay off and hefty rent bills to pay while living in London, Ben has not seen a pension as an immediate concern. In his previous job he had a pension but only paid in the bare minimum. On leaving, his pension valuation stood at £2,000.

Since then he has not had a pension of any sort, though now he is starting to think about setting one up.

"I can see the argument in favour of saving into a pension, but recently I have been focused on paying off existing loans rather than investing in a pension. I just haven't had the spare cash to do it."

He has heard scare stories about under-funded pensions and is aware that when he retires in just under 40 years, the basic state pension may be an extremely insignificant sum. Being under 30, and with most of his working life in front of him, he is not unduly worried by his lack of pension savings, but he is coming round to the idea that he needs to act sooner rather than later.

He adds: "My new company has a pension scheme, which it will contribute to, so I plan to join that and increase my side of the contributions when I can afford to do so. But to be honest in my line of work, the chances are that if I want to get on then I will have to bite the bullet at some point and go self-employed - when that happens there will have to be another rethink about my pension."

Ben also has some expensive hobbies - snowboarding and scuba diving - which he'd love to partake in as an OAP of leisure. Will he have to give these up, now and in the future, to avoid any struggles when he finally retires?

Ben's Pension Time Machine
Verdict: If Ben fails to take out another pension during his working life his total pension fund on retirement will be £6,835 and his projected annual pension income would be a paltry £299.32 (in today's money).

The outlook seems pretty bleak, but in Ben's favour he is still young and has time to make up for the years when he hasn't saved for his retirement.

But he will need to start as soon as possible and try and make contributions as large as he can. Ben does not yet own a property, nor does he have any ISA or unit trust investments, so he needs to put together a plan to avoid being cut off by the gas board aged 65.

A pension (with its tax-free element, and the added benefit of a company matching his contributions) should be one of Ben's first considerations. Even as little as £100 a month into his company pension would be a start, and he could increase this contribution in time as his personal loans are paid off, and his salary is boosted by pay rises or bonuses.

Given that he plans to go self-employed at some time he should consider the benefits of a stakeholder pension or a SIPP (self-invested personal pension) when he makes that move.

His company pension would remain intact (in fact he should be able to transfer its value into the stakeholder plan) and the stakeholder pension would then take its place. He could actually set up a stakeholder scheme to run alongside his company pension now - but given that money is a bit tight - that maybe one for later!

In the popular imagination, the tipi has come to represent a common stereotype about how all Native American people used to live. In truth, however, it is a specific cultural expression of the Native peoples of the Great Plains region of North America: the primary means by which they organized their lives, families and communities. Today, Plains people live in modern homes, but the tipi remains an essential architectural form used by many for celebratory and ceremonial occasions. While the tipi has been featured in other exhibitions, the Brooklyn Museum exhibition, scheduled to open to the public in Fall 2009, will be unique because it takes the tipi as the point of departure to explore the numerous, complex sub-themes that place it at the center of Plains social, religious, and creative traditions.

On June 15, the first of two planning meetings was held at the Brooklyn Museum in order to determine the themes of the exhibition. A diverse group of ten consultants including scholars, tribal representatives and artists attended the meeting, along with the three exhibition curators (Nancy Rosoff, Susan Kennedy Zeller and Tim Ramsey), as well as other staff members.

Left to right sitting: Tim Ramsey (Southern Cheyenne-Choctaw), Teri Greeves (Kiowa), Christina Burke (Philbrook Museum), Derek Big Day (Crow), Heywood Big Day (Crow)

Left to right standing: Miranda Applebaum, Rima Ibrahim, Susan Kennedy Zeller, Don Moccasin (Rosebud Lakota Sioux), Barbara Hail (Haffenreffer Museum), Nancy Rosoff, Gerard Baker (Mandan-Hidatsa), Bently Spang (Northern Cheyenne), Dan Swan (Sam Noble Museum), and Mary Lou Big Day (Crow).

Consultants examine Plains objects from the Brooklyn Museum’s collection.

Tim Ramsey, Heywood Big Day and Gerard Baker examine the drawings on a tipi liner that was owned by the great Hunkpapa Sioux leader Rain-In-The-Face (ca. 1835-1905). Rain-In-The-Face was one of the Sioux leaders who fought and defeated General Custer at the Battle of Little Big Horn in 1876. A tipi liner is hung around the inner tipi wall as insulation and decoration. The drawings on this liner depict battle scenes and religious ceremonies. This liner has never been studied or published and a special consultation meeting with other experts will be held at the Museum on September 7.

Introduction

The student loans just like the other forms of financial aid are a service that is subject for repayment. However, although aware of such fact, many borrowers still fall to the trap of walking away from student loan debt which then results to series of consequences.

They tend to ignore their being summoned to enter repayment generally either 90 or 120 days after separating from school or after dropping below half-time enrollment. With this, the loans remain delinquent for 270 days or become 270 days past due at any time, leading the loans to "default" status.

Defaulted Student Loans, Defined

Defaulted student loans are in fact defaults made by the borrower to the creditor of the terms and conditions of the student loan contract. It is generally caused by the act of escaping from debts, leading to unfavorable consequences on the part of the borrower.

Essentially, prior to the declaration of student loan default is the delinquency period. At this period, the lenders of student loans authorized under Title IV of the Higher Education Act will exhaust all efforts to find and contact the borrower. If the lender's efforts of locating the debtor are unsuccessful, the loan will then be placed in default. It will be turned over to either the state guaranty agency or the Department of Education. And, once the loan enters the default status, the maturity date is accelerated, making the overall payment in full due right away.

The Consequences of Student Loan Default

When the loan enters the default status, several consequences are connected to it. Some of them are mentioned below:

• The loans may be turned over to a collection agency.
  
  
• The borrower will be liable for all the costs connected with collecting the loan. This may even include the court costs as well as attorney fees.
  
  
• The borrower can be sued for the whole amount of the loan.
  
  
• The wages may be garnished.
  
  
• The federal and state income tax refunds may be intercepted.
  
  
• Federal interest benefits will be denied.
  
  
• That federal government may withhold part of the Social Security benefit payments.
  
  
• The borrower's chance to receive federal financial aid will now be impossible to happen until he repays the loan in full or make arrangements to repay what he already owe and make at least six consecutive, on time, monthly payments.
  
  
• On the credit record, the defaulted loans will be mentioned, making it hard for the borrower to get an auto loan, mortgage, and even credit cards. Note that having a bad credit record can harm your ability to find a job.

Aside from the above mentioned consequences, there is also some other less-obvious consequences that are oftentimes omitted from consideration. One of those could be the rule that the federal student loan borrowers holding defaulted student loans are no longer entitled to any deferments or forbearances. Subsequently, there are some cases when the loan default may force the individual to consider or take a semester off. This must be taken due to his or her inability to qualify for federal student aid as well as to afford the cost of higher education independently.

What's more, there is a great possibility for those borrowers who defaulted on their student loans to lose their professional licenses. For example, the lawyers who possess defaulted loans may be subject to have their license to practice law disavowed. The doctors and certified public accountants would also fall into this category.

Lastly, the borrowers who just ignored summons for loan repayments will become liable for all fees associated with collecting the federally financed loan. This means that the borrowers will end up repaying their outstanding debt, plus up to 25% in contingent fees in order to satisfy the student loan debt. Note that this rule is in fact consistent with the Higher Education Act as well as on the terms of most borrowers' promissory notes.

The Collection Procedures Involved with Defaulted Student Loans

Most of the guaranty agencies' stringent collection procedures have successfully deterred student loan neglect. One of the supports for this claim is the steady decrease and current all-time low of student loan default rates. However, even though the collections department is highly committed to assisting those who are in default and making repayment as simple as possible, the non-response in the borrowers' side still opens up to one or more of the following collection approaches:

• Garnishment of Administrative Wage: Under the Higher Education Act of 1965, the Department of Education as well as the state guaranty agencies may require employers who employ individuals with defaulted student loans to take away 10 to 15 percent of the debtor's disposable income per pay period. The garnishment of the administrative wage is in fact a resort taken only when the debtor refuses to voluntarily repay his or her defaulted debts and may persist until the total balance of the outstanding debt is paid back.
  
  
• Treasury Offset Payments: Aside from administrative wage garnishment, the Department of Education has the right to request the Treasury Department to perform a federal offset against the federal income tax refunds as a way of collecting defaulted student loan debt. In simple words, the borrowers with loans in default status may forgo any federal tax refunds until he or she has repaid the defaulted loan.
  
  
• Legal Action: Litigation can be pursued by the Department of Education as well as state guaranty agencies as a means for collecting the defaulted loans. It means that if the debtor refuses to repay the debt voluntarily, he or she is subject to prosecution in a state or federal district court. The borrower is therefore sued for the outstanding debt as well as for the attorney and court fees. But, these methods are generally considered as last resorts, thus require prior notice of the proposed offset.

Preventing Default

There are several ways that you can make to prevent the onset of student loan default. It is just somehow necessary for you to place your interest and efforts on preventing it. Here are the possible ways that you can consider:

• Simply make your payments on time.
  
  
• Make sure that you understand your loan options as well as the related responsibilities prior to taking out a student loan.
  
  
• If certain financial difficulties are encountered, try to consider applying for a deferment or forbearance on your loans. Many experts often suggest that it is much better to defer your payments than to go in to default status. Along with this, ask your lender or service provider about the available options while you are still making payments, before you enter the default status of your loan. Always note that after you default, you won't be able to get a deferment or forbearance anymore.
  
  
• If possible, inform your lender or service provider promptly about any of the possible adjustments that may affect the repayment of your student loan. In case you move or change your address, let them know. Also, make sure that they know about the name changes, which are very possible because of marriage; graduation or termination of studies; leaves of absence as well as transfers to another institution.
  
  
• If for instance you are having trouble making your payments, try to contact your lender as they may be able to suggest an alternate repayment options for you. Some of the possible choices include graduated repayment, income sensitive repayment, as well as income contingent repayment. Also note that the types of available repayment options currently depend on whether the student loan was issued under the FFELP or FDSLP or Direct student loan programs.
  
  
• A student loan consolidation can be considered as another way for preventing student loan default. Combine all of your educational loans into one big loan as this gives you the chance to send your payments to just one lender. What's more, you may be able to extend the term of the loan in order to lessen the size of your monthly payments.
  
  
• Simply keep records regarding your student loans. If possible, try to back up copies of all your letters, canceled checks, promissory notes, disbursement notices, and some other necessary forms in a file folder. Just be organized.

Getting Out of Default

In case your loan already entered the default status, don't worry. You still have hopes if you will just try to pay even just a little consideration on your debts. The first move to take to get out of debt is simply to make arrangements with your lender to repay the loan. It is normally noted that once you have made six regular payments, there is a chance for you to be eligible for an additional Title IV aid. After you have finished twelve regular payments and applied for and received "rehabilitation", you will no longer be considered in default. It is also at this time when the record of the default will be eliminated from the reports to credit reporting bureaus.

And, for further information about the available repayment options that could suit your needs, just contact your lender. The financial aid office at your school should also be able to tell you the name, address as well as the contact number of your lender. They can also give you supporting help and advice about your repayment problems.

Student Loan Rehabilitation

As the phrase suggests, the loan rehabilitation is a program designed to rehabilitate the defaulted student loans and return such loans to a favorable status. This program in fact requires 12 consecutive monthly payments of a predetermined agreeable amount.

It is often suggested that those borrowers in default status must contact their servicing agency to define the loan rehabilitation program that is reasonable to both parties. However, if a reasonable rehabilitation program cannot be reached with your lender, there is the office of the Federal Student Aid Ombudsman, which is a neutral party, designed to resolve any disputes.

Conclusion

Having said all these, the defaulted student loans are no doubt a serious problem that must be healed as soon as possible. This is for the fact that when the case intensifies, certain damages not only on the person's credit rating, but other consequences as mentioned above will greatly result like a brush of fire.

-----------------------------------------------------------------------------------------------------------------

The insurance is another way of safeguarding you in the state of the emergency in future by current financing. In order to take home equity loans, there is a need of signing an agreement with trustworthy home lenders. There are several online sources which offer the different categories of insurance quote for the customers. There are some resourceful directories which offer the catalogues of job to get start work at home.

The student loan is very assistive for the students to continue their professional studies by getting financial aids in order to meet high charges of higher education. For the consolidation of bad credit loans, the different financial consultant offers their advisory services in the reasonable fee charges. If you want to get help for consolidating loan, you have to go to the credit loan consultants for having the proper debt solution. There are different rates of free home mortgage for refinancing the home or other properties of the owners.

Latest news from REC Real Estate Consulting

08/12/2009

LOAN MODIFICATIONS: RESIDENTIAL LOAN MODIFICATION, COMMERCIAL LOAN

MODIFICATION, STUDENT LOAN MODIFICATION,SBA LOAN MODIFICATION. OUR ATTORNEYS WILL NEGOTIATE FOR YOU!

WE OFFER OVER 50 YEARS OF COMBINED LEGAL EXPERIENCE AND A PROVEN TRACK RECORD IN MODIFYING CONSUMER LOANS WHETHER IT BE FOR COMMERCIAL, RESIDENTIAL, SMALL BUSINESS OR STUDENT LOANS...



With the American economy in turmoil it seems that more and more Americans are facing struggling with an

inability to pay off their unsecured debts including student loans for themselves or their children. While

most people are aware of the potential benefits of seeking a loan modification for their home mortgage, most

people do not realize that the same relief may be available for their Student Loans. As Loss Mitigation

Professionals it is OUR job to EDUCATE our clients!!! Similar to property secured loan modifications,

lenders are often willing to reduce a borrower’s monthly payment using a number of different methods

including reducing their interest rate, lengthening the term of the loan, allowing for interest only payments

for a predetermined period, and delaying payment of past due amount to the end of the term of the

commercial loan. In the case of a student loan, because it is a no recourse loan, the lender may be more

willing to negotiate because there is no collateral security to repossess. What About Temporary Payment

Suspension? There may be times when even an affordable repayment plan is too much for a borrower. They

may be temporarily unemployed or unable to deal with student loan payments for other reasons, such as

active duty military service. The good news is that they can suspend their payments, at least for a while, in

limited circumstances. The bad news is that in many cases, your interest will continue to accrue, and will be

added to your principal when you begin repaying again. This is a common way that loan amounts can grow

to unmanageable levels. Borrowers who need deferments and forbearances may be less able to pay back an

even larger loan, and find themselves worse off at the end of a break in repayment than before. PCAG will

negotiate with your lender on the accrued interest so you are not stuck in a never ending loan. The first

category of suspensions, grace periods, automatically comes with most loan programs. Lenders will give a

borrower a break so that they don’t have to start repaying right after graduation or withdrawal from a school.

The second category, deferments, are available if a borrower meet certain conditions, such as unemployment

or economic hardship, and only if they are not yet in default on your loans. The Borrower will not be

charged interest on subsidized loans during a deferment period. Forbearances also allow you to suspend

payments and are available even if you are in default, but you will be charged interest during forbearance.

Student Loans & Bankruptcy: Student loans are not usually discharged in bankruptcy. It is common for a

borrower to go revolving 90 days late with their loan.. BUT IT IS SIMPLY NOT NECESSARY!

College- Associate Degeree- Technical Jobs

Grants, Scholarships and Admissions for Single Parents Resources

IT Network Certification

Federal Student Aid

Pell Grants

Student Grants and Schlolarships

SPECIAL SESSION

KANSAS CITY MISSOURI

AUGUST 20 - 21 - 22, 2007

PRESENTERS

Nita Silverstein and Ruth Chrismore

website: www.studentaidadministrators.com

RUTH CHRISMORE WILL BE PRESENTING THE BASICS OF FINANCIAL AID DESIGNED FOR PERSONS WITH LIMITED EXPERIENCE IN THE FINANCIAL AID FIELD.. THIS COURSE WILL ALSO BE INVALUABLE TO OWNERS WHO ANTICIPATE BECOMING ELIGIBLE OR HAVE JUST BECOME ELIGIBLE TO PARTICIPATE IN THE TITLE IV PROGRAMS.

Ruth Chrismore is Vice-President and Director of Operations for Student Aid Administrators, a Third Party Servicer. She has a wealth of experience in the administration of Title IV Federal Financial Aid Programs. As Vice-President of Operations of SAA she is responsible for managing Title IV Programs for both clock and credit hour schools.

Prior to joining SAA Ruth was Senior Associate of Compliance with the Missouri Department of Higher Education (MDHE). In that position she was responsible for the supervision of four compliance reviewers and one policy analyst in the oversight activities of participating institutions with federal regulations governing the Federal Family Education Loan Program. Her duties included both school and lender compliance reviews and she participated in compliance reviews that were performed jointly with the staff of Region VII of the Department of Education.

While at the MDHE, Ruth was a member of the National Council of Higher Education Loan Programs, Membership Education and Training Committee and was an administrative member of the Unified Student Loan Policy –Common Manual Policy Committee. She was also a regular presenter in annual training workshops held at various locations across Missouri.

Ruth has vast hands on experience as Assistant Director and Director of Financial Aid in private, public and community college settings. She has been responsible for analyzing and interpreting regulatory policy and procedures for compliance in processing and awarding financial assistance for approximately 4000 students annually.

Ruth is a member of the Missouri Association of Student Financial Aid Personnel and the Midwest Association of Student Financial Aid Administrators and is a regular presenter at the Regional Private Career Colleges and School Conferences across the country.

JUANITA SILVERSTEIN WILL BE PRESENTING AN IN DEPTH LOOK INTO VARIOUS PHASES OF TITLE IV RULES AND REGULATIONS APPLICABLE TO SCHOOLS’ ADMINISTRATIVE RESPONSIBILITY. CPA’S WHO PERFOM AUDITS AND EXPERIENCED FINANCIAL AID ADMINISTRATORS WILL FIND THIS PRESENTATION VERY INFORMATIVE AND ENLIGHTING.

Juanita Silverstein, Certified Public Accountant – President of Student Aid Administrators has been involved in various aspects of financial aid for over thirty years.

As Director of Internal Audit for the St. Louis Community College System she was responsible for the performance of internal audits of the college’s compliance with federal regulations of the Title IV programs. She was an ad hoc member of the College Financial Aid Committee and assisted with the interpretation of federal regulations and the implementation of procedures to assure adherence to these regulations.

As the Vice-president of a Certified Public Accounting firm, Juanita performed audits of private college and careers schools. In this capacity she provided schools with recommendations to improve internal control and assisted them with the development of procedures to guarantee compliance with all regulations.

Upon joining Student Aid Administrators, Juanita was responsible the administration of Federal Title IV programs for schools in both the public and private sectors.

Juanita is frequent presenter at the Regional Private Career Colleges and School Conferences as well as state career associations. She has developed extensive training material for both group and individual training sessions.

Today Juanita is a consultant to private career schools in the interpretation and implementation of the rules and regulations for the administration of Federal Title IV programs.

---

Deborah John President DJA – Deborah John & Associates, Inc.		Deborah has spent the past 25 years in the field of financial administration, working with numerous clients to process their financial aid, while ensuring the accuracy of their files. She has consulted and prepared clients for audits and program reviews, consistently obtaining the same results of clean audits and satisfactory program reviews. In her years as President of DJA, Deborah has become well-versed in the Departments Federal Regulations, as well as an expert in financial aid administration. Deborah’s expertise and knowledge have earned her many opportunities to serve as a guest speaker for regional and national associations. This year Deborah will celebrate 18 years since the founding of her company, Deborah John & Associates, Inc.

---

Ron Holt

RON HOLT, BROWN & DUNN, P.C. 911 MAIN STREET COMMERCE TOWER STE. 2300 KANSAS CITY, MO. 64105 (816) 292-7015

Over the past 14 years, Mr. Holt has provided regulatory advice to institutions across the nation on a broad range of issues and also has provided representation in program reviews, administrative proceedings, student claims, state and federal court litigation, changes of ownership (representing buyers and sellers), and accrediting and state licensing agency disputes. He is a member of CCA's Legislative Advisory Council and CCA's Litigation Committee.

Some of the reported education cases that Mr. Holt has handled include:
ConCorde Career Colleges, Inc. v. Riley, 1993 U.S. Dist. LEXIS 9839 (W.D. Mo. 1993) Mission Group Kansas, Inc. v. Riley, 909 F. Supp. 835 (D.Kan. 1995), reversed and remanded for further proceedings, 146 F.3d 775 (10th Cir. 1998)
Calise Beauty School, Inc. et al v. Riley, 941 F. Supp. 425 (S.D.N.Y. 1996) and 1997 U.S. Dist. LEXIS 15706 (S.D.N.Y. 1997).
New York Institute of Dietetics v. Riley, 966 F. Supp. 1300 (S.D.N.Y. 1997).
In the Matter of Wright Business School, Docket No. 00-56-SP (Initial Dec. Feb. 8, 2002; Sec. Dec. Jan. 12, 2006).
In the Matter of International Junior College, Docket No. 97-164-ST (Initial Dec. July 28, 1998).
In the Matter of Hair Design Institute, Docket No. 97-122-ST (Dec. Secretary Aug. 16, 1999).
In the Matter of Westchester Beauty School, Docket No. 98-97-ST (Dec. Secretary Aug. 16, 1999)

Mr. Holt received his J.D., with highest honors, from Rutgers University School of Law-Camden in 1979 and his B.S., Speech Education, summa cum laude, in 1975 from Evangel University. Prior to entering private practice, Mr. Holt served as a law clerk to the late Judge Russell G. Clark, United States District Court for the Western District of Missouri, from 1979-1981.

Mr. Holt can be reached by telephone at (816) 292-7015

---

JOHN H. ALEXANDER, III, CPA

PROFESSIONAL EXPERIENCE

• 1991 to Present

Alexander, Kavanagh, Snyder & Lang, P.C., CPA’s and Consultants
(formerly Kavanagh & Associates, PC), Pittsburgh, PA
Partner in charge of audits of trade and technical schools. Partner in charge of retirement plans compliance for clients of firm.

• 1990 to 1991

Bujaky, Koehler & Libson, CPA’s, Pittsburgh, PA
Manager in charge of audits of trade and technical schools.

• 1974 to 1990

Hinds, Lind & Miller, CPA’s, Pittsburgh, PA
Partner in charge of audits of trade and technical schools. Partner in charge of retirement plans compliance for clients of firm.

• 1972 to 1974 Bock, Braund & Eiler, CPA’s, Allison Park, PA
  Staff Accountant

EDUCATION

• Kent State University, Kent, Ohio Bachelor of Business Administration
  May 1972

• Marietta College, Marietta, OH September 1967 to January 1970

• North Hills High School, Pittsburgh, PA Graduated 1967

PROFESSIONAL ACHIEVEMENTS/MEMBERSHIPS

• Certified Public Accountant license granted in 1976
• Member of American Institute of Certified Public Accountants
• Member of Pennsylvania Institute of Certified Public Accountants
• CPA licenses held in the states of Pennsylvania, Ohio, Maryland, Georgia and Florida

---

Gene Miller		Gene is a professional educator, devoting a career to this endeavor. The variety of experiences over the past thirty five years as a college Dean and Professor, Program Officer in the Department of Education, Director of the Oklahoma Student Guaranteed Loan Program, Financial Aid and Educational Consultant, Cosmetology School and Salon Owner and presenter at numerous national meetings bring a global perspective to the task of understanding the requirements of compliance with the massive volume of regulation placed on schools today. The ability to draw upon experiences in over 300 schools in 40 states is invaluable in bringing perspective to new or puzzling requirements. Gene’s educational background includes a BS in mathematics from Ottawa University, MS in education from Fort Hays State University and doctoral studies at the University of Kansas and the University of North Texas. His computer expertise comes from a variety of in-service training experiences. His twenty six year service in the US Marine Corps, retiring as a Lt Col, often surfaces in his presentation style.

---

	Terry Hopkins Website Publisher, Aloha-Terry is the builder of hundreds of websites. From simple "point of presence" websites to online Business to Business websites that handle the largest airlines in world ordering needs for tires and parts. Program on how to build student friendly websites, and How to get students to contact you on the web using

Medical and Health

You may feel overwhelmed by your outstanding medical school debt. If you are in medical school, residency or have your medical degree, there is a solution to help you manage that debt. Our loan consultants specialize in dealing with health-related Federal student loans such as HEAL, HPSL and NSL loans. College Loan Financial is the ideal choice to help you take advantage of the many benefits of loan consolidation.

Our student loan consultants provide simplified solutions for student loan consolidation; deferment guidance for interns, residents and fellows; free consultation services for physicians, nurses and other health care professionals.

Let CLF help you take control of your student loans, starting today. Discover why doctors and other health professionals trust College Loan Financial student loan consultants!

Law

Whether you're in law or the paralegal professions, you may feel burdened by the large balance of outstanding law school student loan debt.

We've helped many attorneys and law school students with their student loan consolidation.

College Loan Financial provides solutions for student loan consolidation services to attorneys, paralegals, and students studying law.

If you are a practicing attorney or finishing up law school, we can help you take control of your student loans. Call 800-440-8664 today to consult with a loan specialist.

Idea, Hot, Idea Board, Uncategorized | Comments

Minnesotans value higher education, and we all agree education is key to remaining competitive in today’s fast-paced global economy. But college tuition in Minnesota has been rising for years, and with it, student loan debt. More Minnesota students are borrowing to go to college and those that borrow do so at amounts greater than the national average. (Source: Minnesota Office of Higher Education)

Repaying those debts can dramatically affect where a graduate will live and work and what career they will choose. And for smaller Minnesota communities, this can add up to a real brain drain.

That’s why I authored legislation to support low- and middle-income college graduates so they can continue to live, work and pay taxes in Minnesota. Under the Education Opportunity Credit, any Minnesota student who earns an associate or bachelors degree from a Minnesota college with a student loan can receive a 50 percent tax credit on tuition loan repayments. The degree can be from any Minnesota two- or four-year college or community college, public or private.

Minnesota is facing a dramatic shift in population. More Minnesotans are retiring, leaving a smaller workforce pool to support an aging and dependent population. This legislation will help us retain the skilled and educated work force necessary to remain competitive and attract well-paying jobs. And only Minnesotans who live, work and pay taxes in Minnesota after graduating will benefit.

Minnesota’s past success is largely due to our highly trained and motivated work force. Helping Minnesota college graduates to live and work in our state ensures the Minnesota promise works for everyone.

At the age of 26, Callum Eloff already has a devoted partner, a gorgeous young son and a large student loan. Like most people his age he's still renting, and despite the current property slump, doesn't expect to be buying a house any time soon.

Yet he's fairly confident he'll be financially fit in his old age.

"I want to do lots of travelling, so hopefully by then I'll have a few investments. I'm already in KiwiSaver, so I definitely won't just be relying on New Zealand Super," he muses.

Such is the optimism of youth. Not that you could exactly describe Eloff as an optimist. Like many 20-somethings, the IT worker is not particularly impressed with the economic legacy older New Zealanders have bequeathed him.

His generation, he notes, are not only having to spend a much greater portion of their income on a house they can call their own, they are also having to contribute to the cost of their own education, and are being encouraged to save for their own retirement.

Okay, so they're not having to hand over 66 per cent of their incomes in tax either, but Eloff is nevertheless planning to move overseas at some point, convinced the much higher salaries his mates are still enjoying in London will be the answer to his money problems, in the short term at least.

At this stage he doesn't expect to stay away forever, and for that reason today's baby boomers should be grateful. Because, boy, are we going to need his taxes.

As a journalist, I feel duty-bound to disclose my personal interest in Eloff's earning potential.

I have recently turned 43, which by some definitions makes me the very last of New Zealand's baby boomers. It has been estimated that by the time I am eligible to collect NZ Super, possibly in 2031, there will be one superannuitant for every three other people in this country - up from one for every seven other people at present.

In other words - as we have all been warned for many years now - the number of superannuitants will roughly double in this country over the next few decades. Meanwhile, the proportion of people working and paying taxes will dramatically shrink.

Despite the advent of KiwiSaver and what has become known as the Cullen Fund, superannuation then, as it is now, is likely to be largely a pay-as-you-go scheme - in other words, it is our children, not ourselves, who will be paying for our pensions.

Despite the insistence from politicians and some academics that there is no need to panic about this potential demographic doomsday, I have to admit I am just a tiny bit nervous. And if I were Ellof, I'd be slightly worried too.

The NZ Superannuation Fund, set up by former Labour Finance Minister Michael Cullen in 2001 to help smooth the future cost of superannuation, was expected to begin contributing to super payments from 2027. That is now likely to be around 2031, after

Mytreasurez

Mytreasurez.com is an online ecommerce website which specializes in selling Jewelry products. The website consists of Product listing, featured products, search criteria (By Material, By Price,etc.,), Layaway, google checkout, google analytics, shipping, customization of diamond & mounting, banners, many more…

What makes OneSimpleLoan® such a successful personal student loan firm? Award-winning commitment to borrowers and their families!

With over 50 years' combined experience in the personal student loan field, OneSimpleLoan has assisted thousands of students with educational financing. Under the sterling leadership of Paul J. Simino, OneSimpleLoan President & CEO, we also assist students and parents through the maze of acquiring student loans, including private student loans, to further their education goals.

Our corporate core values and mission is to lower the cost of student loan borrowing and providing the best possible repayment plans that are right for each person.

Award-Winning Advocate for you, the Student Loan Borrower

We also serve as an advocate for student loan borrowers within the industry. In addition to our active membership in key industry associations, we took the unprecedented step of filing a 2006 lawsuit challenging some of the U.S .Department of Education's rules that limited consolidation options. This lawsuit was a critical catalyst behind the Federal Government's June 2006 repeal of the single holder rule.

In fact, our commitment to the student loan borrower is recognized by our company being named the 2007 Large Business of the Year Award by the Upper Tampa Bay Chamber of Commerce, and by the nomination of the president of OneSimpleLoan as a finalist in the prestigious Florida Ernst & Young Entrepreneur of the Year 2007 award!

We are a Dun & Bradstreet listed professional consulting firm (lender code 834205) located in Oldsmar, Florida. ALU, Inc., dba OneSimpleLoan, is insured and bonded with a $1 million per occurrence Errors and Omissions Policy through Lloyds of London. We have been in business since June of 1999 and are members of the Tampa Chamber of Commerce, Better Business Bureau (BBB), and the National Council of Higher Education Loan Programs (NCHELP). The President of our company has been appointed to NCHELP's Debt Management committee, as well as serves on the Board of Governors for the Florida Chamber of Commerce. Additionally, OSL is a member of, and in good standing with, FASFAA (Florida Association of Student Financial Aid Administrators), a prestigious industry group dedicated to the promotion of effective college financial aid.

Our affiliation with these highly-reputable industry organizations is your assurance that OSL has passed their stringent standards for conducting business in a sound and ethical manner.

Because we are an independent consulting firm, we are able to provide objective, unbiased information to you the borrower, which will always be in your best interest instead of the lender's.

Our knowledge of Student Loan Solutions is unparalleled in the industry.
If there's anything we've learned over the years, it's that there is a lot of misinformation and confusion about Federal and private student loan programs and student loan consolidation. Lenders, servicers and school financial aid officers may not be as well versed in each program as expected.

At OSL, each student loan consultant undergoes rigorous screening, testing and in-house certification before becoming a member of the OSL firm. In addition, ongoing training is required to stay up-to-date on all facets of various student loan programs, including constantly-changing laws and regulations.

This expertise is but one of the many qualities that sets us apart from all the other student loan companies out there.

Why not apply for your private education loan with OneSimpleLoan and discover what we can do for you?

When we say "personal service," we mean personal service!
When you call OSL at 1-877-663-7467 during our extended business hours, our phones are answered with a live person - you will not get caught up in a voicemail maze. Even the president takes calls and handles quality control issues...that's how committed we are to making sure you get our personal attention.

But that's not all. Unlike most other student loan companies, a dedicated OneSimpleLoan Student Loan Consultant will be assigned to you. As your personal contact, your consultant will be available to answer your questions about your particular situation, as well as keep you apprised throughout the loan process.

Your Student Loan Consultant will also be the one personally contacting all the various parties involved to complete your loan process; you won't have to worry about that.

In sum, think of OneSimpleLoan as your personal advocate and consultant to help you find the best solution for your education financial needs.

Contact OneSimpleLoan now for a no-obligation consultation
We know you have a lot of choices out there when it comes to managing your student loan debt. Why not give us a call at 1-877-663-7467 or contact us online, and see for yourself how we can help you?

This is a matter of fact that student loans can be considered as two-edged swords. The reason is quite simple that without these loans, you simply can’t pay for the degree you work so hard to earn. At the same time, without student loan consolidation, you can actually get to keep the amount you pay everyone month for yourself. You can get this amount to pay other bills on time, afford a more reliable car or can find a better place to live.

You need to think about your situation carefully. If you feel like repaying your student loans is a bit challenging for your budget, or worse, threat to your finances – and credit rating – in the red, you should be thinking about a direct student loan consolidation.

A direct student loan consolidation allows you to exchange your outstanding student loans with high interest rates against one loan with more manageable and flexible interest rate.

Only the direct student loan consolidation is the right answer for more than one student loans problem. As you might already be struggling to meet your monthly installments as might have already used the options for deferment or forbearance your loan offers, only direct student loan consolidation can mean a fresh and flexible start.

Once you have taken the step towards direct student loan consolidation, deferment and forbearance options will again be available in case you might need it. Moreover, a direct student loan consolidation gives you much lower interest rates for instance 0.6% points. It is this way help lowering your monthly payments. Another great advantage of consolidation loan is that when you consolidate your existing student loans under a new loan, these loans show up as paid in your credit reports and hence your credit score gets its benefits.

So, bottom line is direct student loan consolidation is Win-Win situation for everyone involved.

See Also,

Bruce is serving his third term in the Iowa House. He serves as Chair of the Administration & Regulation Budget Subcommittee and also serves on the Appropriations, Human Resources', Labor, and Public Safety Committees.

Bruce was born to Norm and Iris Hunter on June 22nd, 1955 in Alma Wisconsin. After growing up in Wisconsin and Minnesota, Bruce graduated from Ellendale High School in Ellendale Minnesota. After high school, Bruce attended Winona State University , and Saint Cloud University. He moved to Iowa in 1979.

Bruce was employed by Iowa Student Loan from 2005-2007 as a loan consultant. He worked for Citigroup as a customer service manager for 8 years, and prior to that he was self employed in a video production company.

Bruce has been a lifelong community services activist. He is the past president of the Davenport Jaycees, and a past director for the Iowa Jaycees. In addition, Bruce has been passionately active in the Make A Wish Foundation, Habitat for Humanity, and the Juvenile Diabetes Foundation.

Bruce sees economic development, education, and health care as the most important issues facing Iowans today. He wants to work to create good paying jobs with benefits that will keep young people in Iowa. He wants to work to keep Iowa's schools the best in the nation, and he wants to make sure Iowans young and old, get the medical care and treatment they need.

Bruce feels one of his greatest strengths is his ability to listen to the needs of the people in House District 62 and then put those concerns to work at the Capitol.

Bruce and Betty Brim-Hunter have been married for 18 years. She is Iowa's State Political Director for the AFL-CIO.

1. You can, of course, apply for college grants and scholarships.Even if this does not get everything paid for, every small award you can collect will help. But you have to work at it- do not expect that your guidance counselor or your college will be searching for every scholarship that you qualify for. You can get free search help, but you still have to apply.
2. A mostly private school financial aid strategy is to set your sights on a no-loan school. A no-loan school is one that eliminates all college student loans from its financial aid package. Since Princeton University eliminated all loans from its financial aid packages many other schools have followed in eliminating some or all loans from their financial aid programs. (A related strategy is to apply to schools that have loan caps)
3. You can lower your cost of attendance at college (reducing the loan amount you need) if you buy college textbooks online. Your estimated COA will always be artificially inflated because your college uses their college bookstore prices as their guideline. Buying discount textbooks through internet sellers is an easy way to spend less money on school.
4. Go for more affordable student health insurance. Most colleges require their students to be covered in order to attend- and they thoughtfully will enroll you in their own health insurance plan if you do nothing. Does anyone think that the college student health insurance plan is the most cost-effective one out there? With all the other details that families need to deal with when it comes to college, this is one they tend to let slide- and of course, colleges realize this. At least take a minute, compare quotes, and find affordable Student Health Insurance
5. You will need a laptop computer. Make sure you get one that meets your needs without the expensive bells and whistles you don't need. Get help when choosing a laptop. And remember, computer manufacturers know when college starts. You can expect to pay more in August than at any other time of the year.
6. Take CLEP or AP exams for college credit. This is the most underused strategy and has been for years. For some reason, most high schools discourage the majority of students from taking these exams. If you are not taking an AP course, you can still take an AP exam. The fees are expensive, ($86 for an AP, $70 for a CLEP) but worth it if you get college credit. You can get anywhere from 3-12 credits per exam, depending on your college's policy and reduce your student loans for college by thousands of dollars. So focus on studying and save.

With some careful planning, you can reduce or eliminate your student loans for college enough so that when you weigh the decision to go to college, the scales tip the right way.

• Federal interest rates are the lowest.


• There are no credit checks- just about everyone qualifies.


• Loans are guaranteed by the U.S. Department of Education (either directly through the Direct Federal Student Loan program or indirectly through the FFELP).


• Students are given a grace period before repayment begins.


• Government loans include many forbearance options.

With these easy terms, its also easy to identify someone who defaults as the worst possible credit risk. No one should ever have to default on a federal student loan.

Okay, so this sound like your best loan choice, right? Well yes, except for one thing...

Federal College Loans Won't Be Enough

...except if you go to a state university or a community college. If you were hoping to finance college using only government loans, you will need to come up with substantial funds to make up the difference between what a private school costs and what the government will lend you.

These are the maximum amounts allowed:

Dependent Students
1st year	$5,500 ($3,500 subsidized)
2nd year	$6,500 ($4,500 subsidized)
3rd, 4th years	$7,500 ($5,500 subsidized)
Grad programs	$20,500 ($8,500 subsidized)

Independent Students
1st year	$9,500 (of which $3,500 may be subsidized)
2nd year	$10,500 (of which $4,500 may be subsidized)
3rd, 4th year	$12,500 (of which $5,500 may be subsidized)
Grad programs	$20,500 (of which $8,500 may be subsidized)

These limits are for federal Stafford loans. Stafford loans are the most widely used federal student loans. (And soon, all Stafford loans will be federal direct student loans.)

Another type of loans are the federal Perkins student loans. There are benefits to getting a Perkins loan, but unless your FAFSA shows dire financial need, you will not be offered one.

Okay so, unless you have one of these...

...you have a large gap between what the federal government is willing to give you and what you're going to need to go to college.

Therefore, its decision time for you and your family. You can:

1. choose to go to a state university or community college
2. take out a private loan

or

you can use one other type of federal student loan...

College Loans For Parents

The Parent Plus Loan can make up the gap. Parents are allowed to borrow up to the difference between the cost of attending college and all other financial aid received. You need to be very, very sure before you commit to this loan. It does not have many of the user-friendly features that other federal loan choices have.

Some things you will want to consider before taking this step are:

• Can you afford to make the payments now, while your child is in school? (Congress just passed a law this year that allows parents to defer payments until after graduation, but who knows if it will continue in the future.)
• Will getting a degree from a more expensive college add real value to your child's future earnings?
• Does your child have a defined major and a chosen career path?
• Is your child fully committed to going the distance towards a four year degree?

If any of these issues are in doubt, rethink parent college loans.

If you take out college loans of any kind, make sure you have a plan for paying off student loans even before your grace period ends.

Federal student loans are a necessary part of your college financial plan, but ultimately they are only one piece of the college funding puzzle.

If you want to go to college, but do not have a stable financial structure in order to do so, you should consider getting a Pell grant to assist you. Pell grants are accepted by over five thousand higher learning education facilities in the country.

The Pell grants are free money from the government to assist you in going to school. However, you need to be aware that these grants are extremely popular, so before you can get approved for one of these grants you are going to have to undergo a screening process.

The screening process is primarily done for security purposes. Since the money is inadvertently free the government wants to assure that the funds are being given to students that need it. Even if you are on a fixed income you can still qualify for the grant, as long as you pass the governments screening process.

The amount of money that you can expect to receive from the Pell grants is based on a few factors. Your current income is something that is assessed, the government reviews over your current financial obligations in a means to see if you truly need the grant in order to pursue a higher education.

The overall academic success of the student is also another factor that is looked at when deciding on the amount of money that you will be allotted with the Pell grants. Students who maintain better grades are more likely to earn more money from the grant.

The length of your education, as well as any contributions that are being given towards your higher learning are also a few things that have to be evaluated as well.

Every student that is eligible for the Pell grants will be evaluated in order to determine how much money they qualify for from the grant. The great thing about the grants is the fact that you do not have to worry about paying it back.

A Pell grant is not in any means like financial aid. The grant is normally given to students who are eligible on a one time basis. These grants have helped a plethora of people who did not have a strong financial structure be able to attend the learning institution of their dreams.

A mind is a terrible thing to waste, especially in the day and age that we are living in. Do not allow your current financial situation get in the way of you obtaining your college education
More

Welcome The Institute of Rural Development Planning (IRDP) is the centre of excellence for professional training in the planning spectrum for sustainable development in Tanzania. The IRDP provides professional guidance on rural development change in Tanzania through provision of appropriate training, research, advisory and Consultancy services to central government, Local Government, NGO’s,International and regional development agencies. IRDP was officially established by the Act of Parliament No. 8 of 1980 as a body corporate and an important national centre for providing training, research and consultancy services in the field of rural development planning. More Information